Vitals
  • Total Assets
    1.5B 38.3 %
  • Total Deposits
    1.2B 34.9 %
  • Total Net Loans
    1.0B 38.8 %
  • Net Income
    7.8M -69.9 %
  • Book Value
    203.8M 90.4 %
  • Book Value x2
    407.7M 90.4 %
  • Book Value x3
    611.5M 90.4 %
ROAA

1.093

ROAE

7.674

Efficiency Ratio

63.18

Net Interest Margin

5.343

Balance Sheet Highlights
Financial Highlights Humboldt Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 1,459,591 449,219
Total Net Loans 1,045,572 339,353
Total Deposits 1,176,822 354,644
Total Equity 203,827 49,297
Profitability
Net Income 7,839 9,121
Return on Average Assets 1.093 1.374
Return on Average Equity 7.674 13.246
Net Interest Margin 5.343 4.455
Efficiency Ratio 63.18 72.622
Noninterest Income/Revenue 14.289 19.139
Balance Sheet Ratios
Loan-to-Deposit 88.847 80.237
Securities/Assets .15 .623
Total Equity/Total Assets .14 .11
Tangible Equity/Tangible Assets .095 -.129
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 138,838 41,743
Tier 2 Capital 15,746 5,369
Total Capital 154,584 46,185
Total Risk Weighted Assets 1,257,421 342,932
Leverage Ratio 10.02 11.204
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.04 14.582
Total Capital Ratio 12.29 15.77

Timeline for Humboldt Bank

Umpqua Bank

Humboldt Bank was acquired by Umpqua Bank 19 years

View Profile Jul 10 2004

Feather River State Bank

Acquisition: Humboldt Bank acquired a new subsidiary, Feather River State Bank, 20 years

View Profile Mar 06 2004

E.P.I. Leasing Co., Inc.

E.P.I. Leasing Co., Inc. became a new subsidiary organization for Humboldt Bank.

View Profile Mar 06 2004

Silvergate Bank

Humboldt Bank was acquired by Silvergate Bank 21 years

View Profile Jan 02 2003

Tehama Bank

Acquisition: Humboldt Bank acquired a new subsidiary, Tehama Bank, 21 years

View Profile Jun 01 2002

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Complete timeline for Humboldt Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Umpqua Bank Buyer 24,730,514 Acquisition Discontinued 7/10/2004
Feather River State Bank Seller 400,815 Acquisition Discontinued 3/6/2004
Silvergate Bank Buyer 986,172 Sale of Assets 1/2/2003
Tehama Bank Seller 257,274 Pooling of Interests Discontinued 6/1/2002
Capitol Valley Bank Seller 203,351 Pooling of Interests Discontinued 6/1/2002
Relationships Role Relationship Start Relationship End
Humboldt Bancorp Parent 1/2/1996 7/9/2004
E.P.I. Leasing Co., Inc. Subsidary 3/6/2004 7/9/2004
Hb Investment Trust Subsidary 12/31/2001 7/9/2004
Bancorp Financial Services, Inc. Subsidary 2/1/1997 3/31/1998
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